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consider them the devil’s best weapon in driving you into insurmountable debt (indeed around 18m people received a default notice on their credit card bill last year), used properly, they could help manage your finances better thanks to interest free periods and balance transfer offers that operate like an interest free loan as long as you play by the rules.

The watchwords here are ‘paid off’ though, and if you think it’s unlikely that you’d clear the debts even over two and a half years, you are probably better off seeking out the best long term low rate deal, currently for purchases in the first three months up to £125, up to 1% after that when you spend up to £10,000 and 1.25% when you spend more than that.

But, crucially if you have debt but still need to use your card regularly, Sainsbury's also does a 30 month interest free deal on both new purchases and balance transfers, offering Nectar incentives here too.

Meanwhile, buying something with a credit card can afford you more protection than buying using a debit card or cash.

Some credit cards are even designed to help those with bad credit to improve their credit rating, helping open the door to a whole range of other financial products they may not have otherwise been eligible for.

Pay it off regularly and fully to ensure the cashback you receive isn't eclipsed by the charges.

But if your rewards of choice don’t need to be all about the money in your pocket and can be more specific, such as Nectar points or M&S vouchers, they can be worth more than the cash return on your credit card spending.